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Just to follow up this story: UB were seeking to have the loan closed by me making an offer to them. They suggested 25% of the loan value. Their reasoning was that the loan has been in their collections department for 11 years and they want it off their books. They didn't mention vulture funds...

Hi all, I have a loan with Ulsterbank for circa €11,000, down from 25k. It was taken out when I was a student and paying fees - then the recession happened. Long story short, we agreed a €300 monthly repayment interest free and it’s been like this now for several years. I haven’t missed any of...